Let me share what happened. On my car I was only carrying liability insurance. If I blew through a stop sign and totaled my car, my insurance would pay for the damage to the other car, but not too mine. Thats how liability works. Liability is very cheap car insurance and is required in all states.
However, the drawback is that it does not cover the vehicle you are driving. Collision and comprehensive coverage cover your car if you are at fault. As a bonus it covers any damage if the sky starts throwing ice baseballs.
I had considered collision and comprehensive for the peace mind. However, I could not justify the return on investment. With higher fuel prices, my budget was already feeling the squeeze.
Paying several hundred extra dollars every six months and then paying for a $500 deductible did not quite make sense. Instead I'll cross my fingers, drive safe and stay away from fierce thunderstorms.
Seven minutes though was all it took to change my mind. One day I was browsing the web and came across a special Internet site that claimed to help people save on car insurance.
Their secret was simple. You input some information into their secure web page and several major auto insurance companies would offer you a quote.
You would then pick your best rate. It was a quick way to get a cheap on line car insurance quote. Naturally I was concerned about my privacy and having my name sold. A quick glance through the privacy statement eased my fears.
I gave it a try and soon I was looking at the auto insurance quotes. This was a whole lot quicker than calling numerous insurance companies. In fact it was kind of fun.
The first three quotes were decent, and then I came to number four. I almost skipped it, because it was the exact same price I was paying for my liability insurance.
But there was one major difference. A big difference. This auto insurance quote also included comprehensive and collision for the same price I was paying. In other words I was getting coverage for my mistakes and for acts of nature ? Free!
As a bonus they had a office right down the road. Quality car insurance at a great price with a local office. Hard to beat that. Plus I could call them and not have to sign up online for car insurance.
Quickly I got them on the phone and asked some pointed questions. After comparing notes, I was assured it was the same coverage I had, but with comprehensive and collision. I signed up and have been enjoying the savings and peace of mind ever since.
All it took was seven minutes to get an auto insurance quote and gave me me free collision coverage
Do what I did. Get some free auto insurance quotes and save yourself some money.
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Another useful tip is to ask for higher deductibles. What are deductibles? Deductibles are what you usually pay before your car insurance policy kicks in. Asking for higher deductibles will lower your costs tremendously. On a cautious note, before settling on a higher deductible, be sure that you have enough money set aside, just in case you have a claim.
Probably, the number one feature that many consumers compare among the various car insurance companies they are thinking about purchasing their next auto insurance policy from is the price of the automobile insurance coverage. Let's be honest, this is a valid reason, especially in today's slightly inflated economy and with gas prices on a continue rise. The first thing that should be done when comparing auto insurance quotes is to make sure the insurance policies being quoted is similar among all of the auto insurance providers. Normally, insurance quotes are provided free of cost and they usually last or stay redeemable for about a period of 30 days. You also can easily compare prices online at each insurance provider's company website or by speaking with a customer service agent or representative on the telephone.
Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company which is financially stable.
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Low cost auto insurance method four is to know the value of your car. You can call your auto loan provider for this information, or you can look for your car up in the Kelly Blue Book. If your car is older, consider reducing the coverage. You may not need collision if your car's replacement value is less than the insurance premium.
Before buying a car you might want to find out how much your insurance will cost annually. Insurance companies consider certain cars easily damaged and expensive to repair, and other cars the target of thieves. You could end up paying a premium surcharge between 10 - 20%. The National Highway Traffic Safety Administration (NHTSA) has established the Auto Safety Hotline at 1-800-424-9393 to report safety defects or to obtain information on cars, trucks, child seats, and highway or traffic safety. The Insurance Institute for Highway Safety provides information on death rates by car make and model as well as the standard safety equipment available. The Institute can be reached at 703-247-1500.
Unlike many people out there, don't forget that even if this article related to Direct Auto Insurance doesn't cover all the basics you wanted, you can always take a look at any of the search engines like Google.com or Search.Yahoo.com for more Direct Auto Insurance related information.
Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.
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Both Arlen Busenitz & Deepak Kulkarni are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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